refrain from the wrong actions requires character and self-discipline. To do otherwise is to lose control of ourselves— to do or say things we regret, to miss opportunities we are given, to spend ourselves into debt. As King Solomon remarked, “The rich rule over the poor, and the borrower is servant to the lender.”2 In “Decision of Character,” British essayist John Foster writes, “A man without decision of character can never be said to belong to himself. He belongs to whatever can make a captive of